Best Nationally Available No-Penalty CDs, August 25, 2026

The Kinecta Federal Credit Union 9-Month Promotional Liquid Certificate (3.50%) has been removed from the product line.

Raisin has added a competitive No Penalty CD:

DR Bank (Raisin)

• 4.00% ($1 min) • 6-month No Penalty CD • penalty-free closure after 30 days of account opening

Deposit Quest tracks No-Penalty CD and Add-On CD rates so you don’t have to.

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The top No-Penalty CDs in two categories (terms of 9 months or longer and less than 9 months) are listed below.

Climate First Bank

• 4.15% ($500 min) • 12-month Penalty Free CD • unlimited partial withdrawals

Genisys Credit Union

• 4.00% ($100 min/$20k max) • 1-year Youth Flex Certificate (ages 0-21) • one penalty-free withdrawal up to 25% of principal, unlimited deposits during term ($10+ per day up to $20k max), one rate bump

USALLIANCE Financial

• 4.00% ($500 min) • 11-month No Penalty CD Special • penalty-free closure

Marcus by Goldman Sachs

• 4.00% ($500 min) • 11-month No Penalty CD • penalty-free closure

SkyOne Federal Credit Union

• 4.00% ($1k min new money) • 10-month Flex CD • penalty-free daily withdrawals, up to 50% of daily balance

Farmers Insurance Federal Credit Union

• 4.00% ($1k min new money) • 9-month No Penalty CD • one penalty-free withdrawal each calendar month

Colorado Federal Savings Bank

• 3.95% ($5k min) • 11-month No Penalty CD • penalty-free early closure

Climate First Bank

• 4.18% ($500 min) • 8-month Penalty Free CD • unlimited partial withdrawals

Climate First Bank

• 4.07% ($500 min) • 6-month Penalty Free CD • unlimited partial withdrawals

DR Bank (Raisin)

• 4.00% ($1 min) • 6-month No Penalty CD • penalty-free closure after 30 days of account opening

NexBank (Raisin)

• 4.00% ($1 min) • 6-month No Penalty CD • penalty-free closure after 30 days of account opening

OptimumBank (Raisin)

• 4.00% ($1 min) • 5-month No Penalty CD • penalty-free closure after 30 days of account opening

Centier Bank (Raisin)

• 4.00% ($1 min) • 4-month No Penalty CD • penalty-free closure after 30 days of account opening

Ponce Bank (Raisin)

• 4.00% ($1 min) • 4-month No Penalty CD • penalty-free closure after 30 days of account opening

ConnectOne Bank

• 4.00% ($500 min) • 4-month Penalty-Free Time Deposit • unlimited partial withdrawals

Two banks and eight credit unions currently offer a total of 19 No-Penalty CDs that also have add-on options. Complete details are listed in the attached spreadsheet.

Genisys Credit Union • 4.00% ($100 min/$20k max) • 1-year Youth Flex Certificate (ages 0-21)

Genisys Credit Union • 3.90% ($100 min) • 14-Month Flex CD Special

Goldwater Bank • 3.90% (no min) • 6-month Liquid CD

Sunward Federal Credit Union • 3.75% ($100k min new money) • 16-month Flex Certificate

Genisys Credit Union • 3.70% ($100 min) • 1-Year Flex CD Special

Technology Credit Union • 3.65% ($1k min) • 5-Month Liquid Certificate

Technology Credit Union • 3.65% ($1k min) • 4-Month Liquid Certificate

Technology Credit Union • 3.65% ($1k min) • 3-Month Liquid Certificate

Credit Human • 3.59% (▲5 bps) ($5k min) •12-month Liquid Share Certificate

Sunward Federal Credit Union • 3.50% ($500 min) • 16-month Flex Certificate

Bellco Credit Union • 3.40% ($2.5k min) • 30-month Smart Move CD

Bellco Credit Union • 3.40% ($2.5k min) • 24-month Smart Move CD

Goldwater Bank • 3.25% (no min) • 12-month Liquid CD

Bellco Credit Union • 3.15% ($2.5k min) • 36-month Smart Move CD

SkyOne Federal Credit Union • 3.10% ($1k min) • 11-month Liquid Share Certificate

Cal Coast Credit Union • 3.00% ($1k min) • 8-month Liquid Certificate

Kinecta Federal Credit Union • 2.75% ($100 min) • 12-Month Liquid Certificate

Climate First Bank • 2.68% ($500 min) • 15-month Flex CD

Bellco Credit Union • 2.40% ($2.5k min) • 18-month Smart Move CD

A list of nationally available No-Penalty CDs as of August 25, 2026 is attached below. The links go directly to each financial institution’s rate page or the individual No-Penalty CD landing page.